Making Small Sacrifices

You CAN do WITHOUT these things:

Cable TV
Call Waiting, Call Forwarding, Conference Calling
Gourmet coffee drinks/snacks
Hobby acquisitions and/or expenses
Lodging expenses at the beach, mountains or other destinations
Massages and manicures
Movies
New clothes
Restaurants
Sports events
Unnecessary vehicles (all new vehicles)

Your thoughts on this subject? Your comments appreciated!

Five Things You Can Do With Money

There are only five things you can do with money.
1.    Give it.
2.    Save it.
3.    Invest it.
4.    Lend it.
5.    Spend it. 
Notice where spending comes in that lineup: last. Spending should never be the first thing you do with your money. Because the proper management of money is specific and […]

How People Spend Their Paychecks

These figures taken from USA Today show national averages in various spending categories.
 
22%   Housing (including furniture and repairs)
22%   Transportation (car, gas and oil, repairs)
15%   Food
09%   Social Security, pensions
07%   Utilities
05%   Clothing
05%   Entertainment, recreation
04%   Medical care
03%   Savings
02%   Insurance (except car and home)
06%   Miscellaneous
 
 
It might be an interesting exercise to see how you compare […]

Why I Pay With Cash
….and why you should too!
1.     If you pay cash, you are likely to be more careful in your purchase.

You may not make the purchase at all.
You may delay the purchase until you have enough cash.
You may decide there are other priorities for you cash.
You may press the vendor for a better […]

Get in the habit of paying as you go. Paying cash for an item not only gives a person that sense of confidence and well-being, it keeps debt at a lower balance than the previous month. If you do charge for an item with the intention of paying it off when the bill comes due, […]